Mortgage data and tools

MortgageExplained publishes plain, sourced data and free tools: the Lender Criteria Index (how lenders treat complex income), the 2026 fixed-rate cliff tracker, and two no-email calculators for payment shock and for deciding whether to switch or stay. The figures cite primary UK sources, and indicative items are clearly labelled as indicative.

Lender Criteria Index How UK lenders treat complex income and specialist cases, by maximum LTV. The 2026 fixed-rate cliff Around 1.8 million fixed deals end in 2026: the verified figures and what they mean. Payment-shock calculator See how much your monthly payment changes when your fixed rate ends. Free, no email. Switch or stay tool Compare staying on a product transfer against remortgaging. Free, no email.
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Adam Parker

Founder, MortgageExplained, MortgageExplained

Adam spent nearly a decade as a mortgage adviser at Just Mortgages, with further experience in commercial finance. He is CeMAP and CF qualified. He built MortgageExplained to do one thing well: explain mortgages in plain English, then introduce you to a regulated broker when you are ready. Every page is written and reviewed by Adam.

Last reviewed: 29 June 2026